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The relationship
you can count on
Audit | Tax | Advisory | Financial Advice
www.crowehorwath.com.au
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Contents
About us
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Advisory4
Tax Advisory
6
Audit and Assurance
8
Financial Advice
10
Next steps
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We are the relationship you can count on
Our clients tell us that we’re friendly, accessible
and easy to do business with. They value our
practical, commercial, industry specific advice
and our ability to translate accounting information
and financial reports into pragmatic advice.
We aim to work with you to identify and implement the right
structures, funding options and operational efficiencies
to realise your aspirations for growth, profitability and
personal wealth.
Your trusted advisor
We understand that you need an advisor whom you can
trust to help improve your business and financial affairs
while meeting statutory responsibilities. We know how
to keep you on track, guiding, mentoring and providing
direction at each stage of your lifecycle – from start-up,
through growth, to succession.
Our approach is:
■■ The “right” conversation: We’ll ask you the questions
to uncover the challenges that matter – identifying the
issues that prevent you from achieving your objectives.
■■ Understanding: We’ll listen and apply our experience to
understand you and your business.
■■ Delivery: Our cost-effective and practical solutions will
help you take advantage of opportunities and minimise
risks.
■■ Success! We’ll help get the results you want.
Making the right decision at the right time is essential in today’s competitive
and highly-regulated marketplace. At Crowe Horwath our focus is on
providing practical accounting and business advice to help you:
■■identify opportunities
■■ensure your business remains profitable and competitive
■■build and protect your assets
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The right size, the right skills and the
right coverage – the right choice for you
Our vast geographical footprint across
metropolitan and regional Australia and New
Zealand means that we understand different
business and geographical sectors. Our
accessibility helps our clients make the most of
their time and resources.
We offer a broad range of business and practical
accounting services under the one roof. You won’t need to
visit a multitude of different offices to meet an accountant,
advisor, administrator and auditor – at Crowe Horwath we
provide all of these solutions.
Our history
Our network of firms across Australasia has an extensive
history of providing accounting and business services to
Australians and New Zealanders. While the Crowe Horwath
name is new to Australia and New Zealand, these firms,
many of them 100 years old, are not.
We’re proud of our history and know about how to grow
a business effectively – because we’ve been there. Over
time, high performing accounting and financial services
businesses have come together to share best practice and
be part of Crowe Horwath Australasia. Today our expertise
and coverage across Australasia is unmatched. Our
commitment to regional communities and our presence in
capital cities gives us a network that supports our clients
as they grow. Combined with our worldwide connections
our business is constantly evolving to meet the needs of
our clients.
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However simple or complex your needs are, you’re
covered. Crowe Horwath International is ranked among
the top 10 global accounting networks with more than 150
independent accounting and advisory services firms in
more than 100 countries. This combined with our extensive
network in regional and metropolitan Australia and
New Zealand means:
■■ We work with more Australasian small and medium
enterprises and individuals who seek to prosper
than anyone else. Every day we give pragmatic
and commercial advice that comes from extensive
knowledge and experience working with individuals
and businesses.
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■■ We deliver the relationship that you can count on – large
enough to offer a broad range of expertise and skills –
and small enough to provide the personal touch. You will
have a relationship partner to ensure a consistent point
of contact, with access to all the services you need,
when you need them.
■■ We’re not just accountants – we are a multi-disciplinary
team of advisors dedicated to helping you optimise
your performance and grow. Our team is made
up of a diverse range of professionals including
accountants, lawyers, strategists, marketing specialists
and turnaround specialists – business people able to
relate to you and to deliver outcomes to improve your
productivity, competitiveness and profitability.
■■ We have a culture of continuous improvement that goes
beyond business as usual – we thrive on creating new
products and services that can become commercial
offerings for the benefit of Australian businesses.
■■ We have access to a library of intellectual property to
deliver business improvement programmes at all levels
of business and across all sectors. This includes a
benchmarking system that lets us know what levers to
help you pull in your business.
While our size and international coverage provides
clients with a full range of services and top tier levels of
expertise, we place great emphasis on the importance
of local, quality client service. Our local knowledge and
global reach mean our team can work with you to uncover
opportunities and manage risk.
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OUR KEY SERVICES
Advisory
Comprehensive planning and forecasting advice
to achieve your business goals.
We know that Australian businesses, small, medium and
large, operate in a highly regulated business environment.
The time and cost to your business in meeting these
statutory reporting and legislative requirements can be
significant. At Crowe Horwath we’re here to help with all
your accounting needs – straightforward and complex.
From start-up through to expansion and selling your
business, our business advisors can assist with your
finances, structures, processes and systems to make sure
you’re getting everything possible out of your business.
Driving your business success
Our advisors have years of experience providing
commercial advice to growing businesses. We have a
thorough understanding of the key drivers of profit and
value at all stages of business and personal lifecycles, for
a wide range of industries and business types. Our people
possess the energy, expertise and industry knowledge to
provide valuable support and practical guidance for you
and your business.
Plan to improve
Your business will benefit from our multi-point health check.
We’ll look at your clients, customers and markets, both
existing and new. We’ll work with you to create a plan to
grow sales, improve margins and reduce costs.
Using visual reports, we’ll identify where there’s room for
growth in terms of profit, opportunities and gaps in the
market giving focus to your management decisions and
critical success factors that will underpin your business’s
future value. And by tightening up agreements with
creditors and debtors we’ll loosen up cash flow, and create
more room for expansion.
What you can expect from us
Every step of the way one of our business advisors will
regularly touch-base on action plans, profits and our
singular focus – making your business the best it can be.
We bring our commercial skills to the table to help you
review agreements with suppliers or work with staff on
improvements – adapting to change can be the difference
between a business that swims, and one that sinks. Our
clients tell us that they value our accessibility and regular
contact to help keep them on track.
Our focus is driving your business success –
understanding your business, planning to succeed,
measuring performance and ongoing monitoring and
adjustments.
“For over 10 years the team at Crowe Horwath has provided me with a total financial solution to
suit my needs as a medical specialist. They have worked closely with my front reception desk and
my bookkeeper to maximise my profits and significantly improve cash flow in my practice. These
features are specifically tailored to my needs and have been efficiently and swiftly implemented
without disruption to my practice.
Most importantly I have found their service is personal and easily available, taking into account my
busy schedule. I have a single point of contact at Crowe Horwath where all their various services
are recruited depending on my specific needs. I recommend the services of Crowe Horwath for their
personalised, efficient and all-inclusive financial service.”
Dr Ashish Das, Medical Director, City Fertility Centre
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Teamwork starts with
transparency
We will take the time to properly understand what you want
to achieve. We firmly believe that the best partnerships are
based on agreed terms of engagement and we will work
with you to understand your needs, the scope of the work
to be done and the cost of that work.
Our fee structure is designed to avoid surprises and
focuses on the delivery of client service that grows your
business and represents value for your hard-earned dollar!
How we can assist you
Accurate and timely expert advice allows you to make the
right decisions at the right time. With our local, national and
international network of experience, we welcome your call
to discuss any of the following:
■■ Accounting: Whether your accounting needs are
complex or straightforward, personal or business based,
we provide a range of compliance services to take the
worry out of tax, help increase your cash flow and grow
your business or net worth.
■■ Corporate Finance: Mergers and Acquisitions,
transaction advisory services (including cross border
transactions), due diligence, capital markets advisory,
business structuring, valuations and expert reports.
■■ Forensic Accounting: Independent accounting expert
witness; quantifying economic loss for legal claims and
disputes; valuing companies, businesses, partnerships,
other entities and intangible assets; forensic
investigations.
■■ Business Recovery: Providing the best possible
outcomes for troubled companies, shareholders and
stakeholders from turnaround and debt restructuring, to
formal insolvency proceedings.
■■ Lending and Finance: If you’re looking to borrow for a
business, farm, motor vehicle, equipment or personal
needs, our lending team can obtain finance on your
behalf. We’ll save you time and money and make
negotiating a competitive loan as stress-free as possible.
■■ Risk Insurance: There are consequences of not having
a safety net for you and your business when unexpected
events occur. Our advisors can make selecting
insurance cover simple, straightforward and cost
effective – and reduce stress, uncertainty and regret.
Exit
Support options
■■ Advisor
■■ 1:1 or Group Coaching
■■ Workshops
■■ Online Learning
■■ Directorships/Advisory Board
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Gr
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Growth and Transition
■■ Strategy and Planning
■■ Costing and Pricing
■■ Sales and Marketing
■■ Operational Improvement
■■ Estate and Succession Planning
Entry
Financial Foundations
+ Budgeting and
Forecasting
+ Cash Flow
Management
+ Structures and
Entities
+ Accounting
Systems and
Processes
+ Reporting and
Key Performance
Indicators (KPIs)
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Tax Advisory
We seek ways to reduce your tax exposure to
benefit your business.
How we can assist you
The effective management of your tax position is critical.
Getting the right advice upfront can make a significant
difference to your bottom line.
Our corporate tax specialists can provide you with practical
advice on all tax related issues, including international,
transactional and indirect taxation services. We can
assist you with tax planning to minimise taxes and reduce
exposure to penalties, right through to advice on corporate
structuring, mergers, acquisitions and winding up.
We offer a broad range of specialist tax services that can
manage your tax risks and exposure. Whether you have
an issue with the Tax Office, are looking at succession
planning for your business or estate or just need advice on
an isolated issue, we can help.
Our tax experts stay up-to-date in all relevant fields and
their experience will help you find new opportunities that
you may not have considered. Working with you, we will
seek ways to reduce your tax liabilities and add value to
your business or personal situation.
Corporate Tax
Personal Tax
We take the time to properly understand your personal
financial profile and work closely with you to customise our
advice to fit your situation. However complicated the tax
implications of your activities are, we can ensure you meet
all your compliance obligations while minimising your tax
exposure.
International Tax
“The Crowe Horwath team has been looking
after our family group for over 16 years providing
business advisory services and specialist
taxation services over that period. We find the
team to be professional, responsive and easy to
work with.”
Tony Canci, Managing Director, Freo Group Ltd
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Doing business in a global marketplace creates
opportunities on a wider scale. But it can also create
greater complexity complying with tax rules in multiple
jurisdictions. With over 150 independent accounting and
advisory firms in 100 jurisdictions, the Crowe Horwath
network is utilised by our specialist advisory team to ensure
innovative and practical international tax solutions.
Specialist Tax Services
Crowe Horwath offices operate with teams of tax specialists
that can be called upon across the group. These teams
ensure that the advice we provide is a top class service
offering. We have independent expert teams in areas
such as GST, Customs and Excise, Resources Taxes and
Research and Development. This ensures our advisors are
able to cover off on all aspects of tax advice to provide
clarity, certainty and added value.
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Audit and Assurance
You will receive an independent edge to your
business needs.
How we can assist you
These days, more and more pressure is being placed on
businesses to assure the accuracy and sustainability of
their financial and other information. Whether you’re a listed
company, a private business or a community organisation,
you have greater governance responsibilities and face
greater potential risks than ever before. It makes sense to
get expert help.
■■ Financial statement audit including listed public
companies, managed investment schemes, private
companies and not-for-profits (associations)
We can provide the full breadth of assurance services
from financial statement audit to risk management that
meet your business needs – and provide you with peace
of mind that you are managing the risks in your business
environment.
Managing the way you manage risk
We understand that you need an auditor you can trust.
At Crowe Horwath we take a systematic and disciplined
approach to evaluate and improve your risk management,
control and governance processes. This process
helps you:
■■ make decisions on resource allocation
■■ successfully manage risk
■■ build a strong governance and control environment
■■ identify areas for successful business improvement
■■ meet your statutory requirements
Our assurance specialists have a proven record in
helping clients improve their businesses. By developing
an in-depth understanding of your business and industry,
our team is in the best place to ensure your business is
operating effectively and efficiently. We are your early
warning system. We can help to identify opportunities to
improve and recitify potential problems before it’s too late.
Our people work with you in a pragmatic and practical way,
combining commercial acumen to put in place realistic
outcomes. We aim to transfer our knowledge effectively to
you and your business.
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Our audit and assurance services include:
■■ Agreed upon procedures
■■ Grant acquittal audit
■■ Compliance plan audit
■■ Self-managed superannuation fund audit
■■ APRA regulated superannuation fund audit
■■ Unit pricing reviews and policy formulation
■■ Superannuation administration prudential reviews
■■ Enterprise risk management reviews
■■ Regulatory risk reviews
■■ Fraud and ethics risk reviews
■■ Vendor and third party audit
■■ Due diligence
■■ Independent accountants’ reports
What you can expect from us
Our service delivery network is second to none.
With a team of over 250 auditors at over 40 locations
throughout Australia, and access to the resources of the
Crowe Horwath International network’s global reach, we
can service your needs wherever you do business.
You will work with a pragmatic, responsive, and
commercially aware team that is committed to identifying
and communicating issues early.
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Experience
Proactive approach
You will benefit from our depth of experience which ranges
from multinational and listed public companies, ownermanaged businesses, to government and not-for-profit
organisations. You will work with a team that is supported
by specialists and subject matter experts.
Before each engagement we will meet with you to explain
our approach, agree a detailed timetable and discuss any
areas of concern. We also provide an individually tailored
client assistance package to help you prepare for our visits.
We understand the importance of investing in our people
through training and the provision of methodology,
and software tools, so you can be assured that your
Crowe Horwath auditor is up-to-date with latest thinking
and best practice.
Competitive fees
Our fee structure is designed to allow our senior team
members to spend more time servicing your requirements.
Our aim is to partner alongside you and your employees
to transfer knowledge and improve your existing capability
and business performance – providing value wherever
possible.
Opportunities for improvements to your business and its
processes will be communicated as we identify them. Our
solutions will be well-informed, practical, commercially
disciplined and relevant.
To provide you with an optimal level of service, we will
also maintain contact throughout the year to ensure that
our knowledge of your business and statutory reporting
requirements is up-to-date and to discuss any issues or
needs that may arise.
Our comprehensive approach means we don’t just
provide audit and assurance solutions. We go further.
Your Crowe Horwath team is led by independent advisors
who are looking at ways to successfully manage risk,
enhance your reputation and identify new business
opportunities while meeting your statutory obligations.
Our goal is to help you.
As
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Stakeholders
■■ Audit Committee
■■ Governance and
Nominating Committee
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■■ Management
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■■ Risk Committee
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Financial Advice
Appropriate advice can get you where you want
to go.
Building a secure future doesn’t happen overnight. It’s
about taking a long term view of where you want to be and
developing a strategy to get there. Our advisors can help
you develop a long-term plan and investment portfolio to
meet your current and future goals.
How we can assist you
Our dedicated team has experience in all aspects of
financial services and provides tailored services in the
following key areas:
Financial
Advisory
Investment and Retirement
Planning, Wealth Creation,
Centrelink and Age Pension
Advice
Lending
Broking
Home Loans, Investment Loans,
Business Loans, Commercial
and Property Loans, Car Loans
and other Equipment Finance
Once your goals are set, we will create an overall
investment strategy to meet your needs. The next step is to
implement the agreed plan and then review your strategy
and investment portfolio on a regular basis.
Risk Insurance
Life Cover, Disability Insurance,
Critical Illness, Income
Protection, Business Expense
and Key Person Insurance
Helping you manage and grow your wealth to give you
peace of mind.
General
Insurance
Personal Car and Home
Insurance, Business and
Trade packages, Commercial
Motor Vehicle and Equipment,
Public and Product Liability,
Work Cover, Property
Owner’s Insurance, Builder
and Construction and
Professional Indemnity
Estate and
Succession
Planning
Making sure your inheritance
goes to the right parties with
protection and appropriate
tax strategies in place. Entity
Structuring, Asset Protection,
Estate Equalisation, Voluntary
and Involuntary Succession
Superannuation
and SMSF
Advice, Implementation,
Management, Superannuation
Audits and Compliance Services
We’ll talk about your values, interests, financial and
lifestyle goals for the short, medium and long term. By
understanding what you want to achieve, a personalised
plan will be developed to help you get there.
A strategic approach
Our complete range of services and advice gives you the
peace of mind that all your accounting, financial advice
and insurance needs are handled by specialists who work
to understand your situation and objectives.
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What you can expect from us
Professionalism We are not owned by the providers of the products or
platforms we recommend. So we can give advice on the
right investments to help achieve your goals.
Transparency
By adopting the fee for service model, you can be assured
of transparency of costs. Our business is all about
professional advice; it’s about your needs and your specific
circumstances.
Quality and knowledge
Partnering with you to achieve your
goals and secure your future
Our priority is people, not products. That’s why our advice
is always about your goals, your attitudes to investment
and how to give you peace of mind. We’ll discuss with
you what you need to maintain your lifestyle now to cover
outgoings such as mortgage costs and school fees. And
our focus will be on what you want to achieve for the future.
From a financial consultation to give you a health check
of your current financial position or investment strategies,
through to a comprehensive financial plan and ongoing
advice, we can help you make the right choices.
Our advisory team maintains their professional
qualifications to deliver appropriate advice specific to the
interests of individuals and business owners.
Short and long term solutions
After taking the time to properly understand your personal
financial profile, we will customise our advice to your
situation. Whatever is right for you over the short and long
term – we have it covered:
■■ Investment portfolios
■■ Risk and protection strategies
■■ Tax management
■■ Direct investments
■■ Self-managed super funds (SMSFs)
Our advice will be delivered in a clear and practical
manner to maximise your understanding and minimise the
complexity.
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Next steps with Crowe Horwath
We welcome the opportunity to help you find solutions to
your challenges and explore opportunities to maximise
your profitability and minimise any of your financial
concerns.
Visit our website
You can contact us or meet with us in a number of ways to
suit you:
Our website is www.crowehorwath.com.au
Talk to us
Call us on our free phone number 1300 856 065. This
number will transfer you to your closest office. We will be
only too happy to find the best person to assist you.
Attend a seminar
Each of our offices holds information seminars for new and
existing clients. As well as gaining valuable information,
seminars are a great opportunity for you to meet and get
to know our advisors and network with other businesses.
Simply visit our website for an up-to-date calendar of
upcoming seminars and events.
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We have a range of tools and ideas to help businesses, as
well as specific information about our services and people.
We are also on Twitter @CroweHorwath_AU and
LinkedIn Crowe Horwath Australia.
Our meeting rooms are yours to use
Our meeting rooms are available for our clients and
business partners to use. In some office locations
video conferencing equipment is also available. For
more information please phone our office or speak to
your advisor.
Receive a newsletter
We distribute regular newsletters that provide tips on how
to run a better business and stories about how other clients
have implemented new ideas. We’re only too happy to add
you to our mailing list.
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“Crowe Horwath’s recommended improvements have
strengthened our financial accuracy, reliability and
documentation and improved our business management
information system allowing us to make more informed
decisions. The team from Crowe Horwath is friendly,
easy to deal with, co-operative and helpful and the
quality of service is high.”
Ken Hew, Group Financial Manager, NAD’s Pty Ltd
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Tel 1300 856 065
www.crowehorwath.com.au
@CroweHorwath_AU
Crowe Horwath Australia
The relationship you can count on
This document provides general information only, current at the time of production. Any advice in it has been prepared without taking into account your personal
circumstances. You should seek professional advice before acting on any material.
Liability limited by a scheme approved under Professional Standards Legislation (other than for the acts or omissions of financial services licensees) in each State or
Territory other than Tasmania.
Crowe Horwath (Aust) Pty Ltd is a member of Crowe Horwath International, a Swiss verein. Each member firm of Crowe Horwath is a separate and independent legal
entity. Crowe Horwath (Aust) Pty Ltd and its affiliates are not responsible or liable for any acts or omissions of Crowe Horwath or any other member of Crowe Horwath
and specifically disclaim any and all responsibility or liability for acts or omissions of Crowe Horwath or any other Crowe Horwath member.
Crowe Horwath (Aust) Pty Ltd ABN 84 006 466 351.